Since you mentioned you already are using a USB Loader (which doesn't wear your NAND away), a lot of them can run WiiWare and VC came straight from the loader off of the emuNAND without as much complicated setup. If you're using USB Loader GX or WiiFlow, from right inside the loader they can make a copy of your Wii's real NAND and copy it to the SD or USB drive and then just run them from there. GX even has an option to install additional WAD files right to the emuNAND from inside the loader. (I'm not sure about PostLoader or CFG because I don't use them myself but they might have that option, too.)
That simpler method of using an emuNAND, that uses the same cIOS that the USB loaders already use, will work with most games but there are a few that it won't work with.
For those, if you have any of them, you could just make them be the only ones that you have in your real NAND or you could use neek2o for them (Mighty Channels is a bit outdated.) It can open the same copied NAND that the USB loader way does but it will takes a little bit more time to start up since it actually works by running the copied system menu from the emuNAND and having IT fun the VC or WiiWare games.
The easiest way to get neek2o set up is to have ModMii do it for you.
If you get neek2o set up you can also have WiiFlow or PostLoader tell neek2o to run the individual VC or WiiWare channels directly to make the startup times faster.
That's a basic summary of the different options you have. Feel free to ask any further questions you have along the way.